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123 credit card limit too low!!
I would appreciate some advice. I was accepted in May 14 for a 123 credit card. The credit limit was £6800. I have decided to spend on this for everything, whilst saving in my 123 current account, with a view to paying off the whole balance in Dec 15, when it expires. I have a balance on the card of £3500 at present, so…
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MBNA Platinum Card 0% for 32 Months!
Just got acceptance for the following:- MBNA Platinum credit card - Introductory offer: - Purchases - 0% for 3 months - Balance Transfers - in first 60 days, 0% for 32 months (2.69% handling fee). - Money Transfer to my current account - in first 60 days 0% for 32 months (4% handling fee). Every month the minimum repayment…
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Fake Marc Jacobs goods from China
I've done a really stupid thing. I ordered a Marc Jacobs purse for my friend for her birthday from a website (marcbymarcsale.co.uk) that i believed was UK based & looked very authentic. I paid around £80 for the item on my Barclaycard, I bought the purse around the 20th Sept, I never received any confirmation of order,…
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Transfer balance from store card to credit card
Hi, I am looking for a bit of advice so I will keep this short. I have an old Comet store card which I believe the credit was under GE Capital, that has since changed and is now Santander (doesn't matter). When I originally set the agreement I was paying £50 a month, that should of paid the balance in around 18 months. 5…
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Paying a Deposit into a bank account
Hi, I have to pay circa £23k for the supply and installation of some double glazing and doors. The deposit of 30% is payable on order, direct to the company's bank account. Is there any way of using a credit card/transfer card that means that I can then protect myself under S75 should the company go under, not fulfill or…
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MSE News: 'I got £23k back under Section 75 after paying just £200 on credit card'
A savvy couple avoided losing almost £25,000 of their retirement savings after following MSE’s guidance on Section 75 Read the full story: 'I got £23k back under Section 75 after paying just £200 on credit card' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all…
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Increase in Interest Rate
Hi I have a 0% interest credit card with Barclaycard. Due to becoming unemployed I agreed lower monthly repayments. However I have noticed on the statement that they are now charging me interest. Can they do this? I thought interest had to be frozen when a payment plan was agreed? Thanks
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Advice please - consumer rights
Hi I recently purchased early bird tickets to a music festival taking place next August. The company that promotes the festival has sadly gone into liquidation, although publicly they have stated that they are still intent on planning next year's event and sorting out their problems. As I paid for my earlybird tickets…
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"low" payments being made on credit card
Hi, I got a letter from credit card company which is my bank saying they've noticed i'm only paying the minimum payment or just over it every month on my credit card blah blah how it will take me longer to pay it off etc. I'm a bit annoyed at the letter as they are referring to me making as they call them "low payments"…
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Lloyds or MBNA Rewards Card
I'm trying without success to work out whether the Lloyds Bank Choice Rewards Credit Card or the MBNA More Rewards Credit Card Account offers the best rewards. Has anyone been able to work out which is the best reward card assuming you pay off the balance each month. Thanks
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Upgrade
Hello - I know this is the wrong Forum but I was wondering if anyone can help. I am currently a Nationwide Customer and have a Cash Card Account - the basic of basic. However I have moved to london and on a night it is difficult if you have lost your oyster card to get home on the buses and you need a Contactless Card.…
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What details to use when applying?
I'm in the process of buying a house (should be getting the keys on Friday) and we are going to apply for the Halifax 20 month 0% credit card so we can get some of the stuff we need. The repayments won't be a problem and the eligibility checker on here states I have a 90% chance of getting it. What I'm wondering about is…
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Why won't my Barclay card let me do a balance transfer?
Hi, Iv got the Barclay card platinum but there is no option to do a balance transfer from that card to another one? Any ideas?
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problem with dorothy perkins card ...
Hi, wondered if anyone had any advice for me please? I have a Dorothy perkins card that ive had for a couple of years. I don't use it very often and have paid off the balance in full on the odd time I have used it. around june I set up a direct debit payment for the minimum amount via the online account when it was…
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Would this work to improve credit rating/is it legal
If i were to get 4 or 5 credit cards, spend say £50 on one of them and then do this... Card #1 - Spend £50 Card #2 - Pay of #1 on 5th of month Card #3 - Pay off #2 on 10th of month Card #4 - Pay off #3 on 15th of month Card #5 - Pay off #4 on 20th of month Card #1 - Pay off #5 on 25th of month Set up all as monthly direct…
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Supplementary Tesco Credit card - Bureaucracy, Read tape, discrimination & worst UK
I applied for supplementary card for my spouse on Tescoplatinum credit card. This was back in July, Bank wanted copies of passport,utility bills etc certified. They sent originals back and said will be intouch, then nothing heard until I called. Apparently they didn't like myspouse's name on the side of the bill and wanted…
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Contacting Aqua -- Need card?
I was accepted for an aqua credit card at the end of August and was told I would receive my card and PIN in the post within 5-10 working days. PIN arrived, but card never did. I'm trying to contact their helpline, but to get through the automated system you have to enter your card number... You see my problem? It seems…
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2k debt - high interest
I'm paying off my credit cards slowly but surely. I have £400 on one and £1600 on another but I am being hammered by the interest. I no longer use the cards and would like to pay what I'm owe rather than all the added interest that comes with it. I am in full-time employment and always make the monthly repayments but when…
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2x barclay cards
I have a sainsburys, HSBC and barclaycard and am looking to BT sainsburys + HSBC to a 0% deal. Spoke to my existing barclaycard and they can only offer me 6.9% of the lifetime of the debt (no 0% deals). Using the eligibility CC checker it says im 90% likely to get barclaycard for a BT as a new customer. Are you allowed to…
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TSB CC direct Debit
HI everyone, hoping someone can help me and my partner as this has really annoyed me. My Partner has a credit card with TSB and has done for a few years. He has set up a direct debit for a fixed amount every month so that he is always paying at least the minimum amount. A couple of weeks ago we used the card to pay for a…
